Small business credit scoring and credit availability

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Small business credit scoring and credit availability

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Allen N. Berger
W. Scott Frame

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Allen N. Berger

Abstract

U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues.

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Paper provided by Federal Reserve Bank of Atlanta in its series Working Paper with number 2005-10.

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Date of creation: 2005
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Handle: RePEc:fip:fedawp:2005-10

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This paper has been announced in the following NEP Reports:

NEP-ALL-2005-07-11 (All new papers)
NEP-BEC-2005-07-11 (Business Economics)
NEP-ENT-2005-07-11 (Entrepreneurship)

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

Berger, Allen N, 2003. " The Economic Effects of Technological Progress: Evidence from the Banking Industry," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 35(2), pages 141-76, April.
Other versions:
- Allen N. Berger, 2002. "The economic effects of technological progress: evidence from the banking industry," Finance and Economics Discussion Series 2002-50, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2001. "The diffusion of financial innovations: an examination of the adoption of small business credit scoring by large banking organizations," Working Paper 2001-9, Federal Reserve Bank of Atlanta. [Downloadable!]
Other versions:
- Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2001. "The Diffusion of Financial Innovations: An Examination of The Adoption of Small Business Credit Scoring by Large Banking Organizations," Center for Financial Institutions Working Papers 01-19, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
- Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2001. "The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring By Large Banking Organizations," Working Papers 01-08, New York University, Leonard N. Stern School of Business, Department of Economics. [Downloadable!]
- Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2005. "The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations," Journal of Business, University of Chicago Press, vol. 78(2), pages 577-596, March. [Downloadable!]
- Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2001. "The diffusion of financial innovations: an examination of the adoption of small business credit scoring by large banking organizations," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 294-314.

Full references

Cited by:
(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

Inderst, Roman & Mueller, Holger M, 2006. "A Lender-Based Theory of Collateral," CEPR Discussion Papers 5695, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
Charles Ou, 2006. "Banking and SME Financing in the United States," The Office of Advocacy Small Business Working Papers 06ou, U.S. Small Business Administration, Office of Advocacy. [Downloadable!]
James R. Barth & Glenn Yago & Betsy Zeidman, 2006. "Stumbling blocks to entrepreneurship in low-and-moderate income communities," Proceedings – Community Affairs Dept. Conferences, Federal Reserve Bank of Kansas City, issue Jul, pages 91-155. [Downloadable!]

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This page was last updated on 2009-11-20.

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